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»【今日房贷利率】CA, FL, GA, IL, MD, TX, VA, WA - 4月7日星期二
SUMMARY:今天(4月7日星期二)房贷利率继续些微变好。目前重新贷款50万的利率,30年固定的零费用重贷利率可以做到3.25%,15年固定略降至2.75%;购房贷款50万左右,30年固定的利率可以做到3.125%,15年可以做到2.625%。
美联储出重手救市,房贷利率重探新低指日可待!如果你想锁定一个理想的利率,你首先应尽快选定一家贷款公司开始递交房贷申请,着手准备材料,然后就耐心等待,等到利率满意的时候再下手锁定利率。现在重新贷款的人很多,各家贷款公司都在满负荷运转;同时现在利率变好通常维持的时间很短,如果你等到利率变好的当天再下手开始申请,很有可能会贻误时机。
注:公司原来用了多年的电话号码在相关的应用升级时突然出了状况,暂时无法使用。各位请拨打949-829-3863或949-398-0396,查询当前利率。
奇虎贷款利率查询电话:949-829-3863或888-800-4151。电邮:apply@tigerloans.com。官网网址:www.tigerloans.com
******************************* CALIFORNIA ******************************* (Based on Conforming Loan $484K, High-Balance Loan $650K, Jumbo Loan $1M. See other assumptions at the bottom of the post) | | PRIMARY RESIDENCE - REGULAR REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.250 | 2.750 | 3.125 | 2.750 | ------ | ------ | >$484K | 3.625 | 3.500 | ------ | ------ | ------ | ------ | Jumbo | 4.375 | 3.875 | ------ | ------ | 4.000 | 4.375 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.625 | 3.500 | 3.500 | 3.375 | ------ | ------ | >$484K | 4.375 | 3.625 | 4.000 | 3.500 | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.125 | 2.625 | 3.125 | 2.625 | ------ | ------ | APR | 3.179 | 2.718 | 3.179 | 2.718 | ------ | ------ | | >$484K | 3.500 | 3.250 | ------ | ------ | ------ | ------ | APR | 3.522 | 3.308 | ------ | ------ | ------ | ------ | | Jumbo | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.125 | APR | 4.037 | 3.789 | ------ | ------ | 3.887 | 4.156 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 4.250 | ------ | 4.000 | ------ | ------ | ------ | APR | 4.302 | ------ | 4.071 | ------ | ------ | ------ | | ******************************* MARYLAND ******************************* (Based on Conforming Loan $484K, High-Balance Loan $650K. See other assumptions at the bottom of the post) | | PRIMARY RESIDENCE - REGULAR REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.250 | 2.750 | 3.125 | 2.750 | ------ | ------ | >$484K | 4.375 | 3.875 | ------ | ------ | 4.000 | 4.375 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.500 | 3.375 | 3.500 | 3.250 | ------ | ------ | >$484K | 4.750 | 4.125 | ------ | ------ | 4.375 | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.125 | 2.625 | 3.250 | 2.750 | ------ | ------ | APR | 3.152 | 2.690 | 3.225 | 2.782 | ------ | ------ | | >$484K | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.125 | APR | 4.016 | 3.752 | ------ | ------ | 3.866 | 4.135 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 4.250 | ------ | 4.000 | ------ | ------ | ------ | APR | 4.274 | ------ | 4.032 | ------ | ------ | ------ | | ******************************* VIRGINIA ******************************* (Based on Conforming Loan $484K, High-Balance Loan $650K. See other assumptions at the bottom of the post) | | PRIMARY RESIDENCE - REGULAR REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.375 | 2.875 | 3.250 | 2.875 | ------ | ------ | >$484K | 4.625 | 4.125 | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.625 | 3.625 | 3.625 | 3.625 | ------ | ------ | >$484K | 4.875 | 4.375 | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.250 | 2.750 | 3.250 | 2.750 | ------ | ------ | APR | 3.246 | 2.796 | 3.230 | 2.790 | ------ | ------ | | >$484K | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.125 | APR | 4.018 | 3.756 | ------ | ------ | 3.868 | 4.137 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 4.125 | ------ | 4.000 | ------ | ------ | ------ | APR | 4.152 | ------ | 4.037 | ------ | ------ | ------ | | ******************************* TEXAS ******************************* (Based on Conforming Loan $300K, Jumbo Loan $500K. See other assumptions at the bottom of the post) | | PRIMARY RESIDENCE - REGULAR REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.375 | 2.875 | 3.250 | 2.875 | ------ | ------ | >$484K | 4.875 | 4.250 | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 4.500 | 4.000 | 4.125 | 3.750 | ------ | ------ | >$484K | 5.000 | 4.375 | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.250 | 2.750 | 3.125 | 2.750 | ------ | ------ | APR | 3.255 | 2.812 | 3.202 | 2.815 | ------ | ------ | | >$484K | 4.125 | 3.875 | ------ | ------ | 3.875 | 4.250 | APR | 4.145 | 3.846 | ------ | ------ | 3.890 | 4.260 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.875 | 4.000 | 3.875 | 3.875 | ------ | ------ | APR | 3.932 | 4.102 | 3.939 | 4.021 | ------ | ------ | | ******************************* ILLINOIS ******************************* (Based on Conforming Loan $484K, Jumbo Loan $562K. See other assumptions at the bottom of the post) | | PRIMARY RESIDENCE - REGULAR REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.250 | 2.875 | 3.125 | 2.875 | ------ | ------ | >$484K | 4.625 | 4.125 | ------ | ------ | 4.375 | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | ------ | ------ | ------ | ------ | ------ | ------ | >$484K | ------ | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.250 | 2.750 | 3.250 | 2.750 | ------ | ------ | APR | 3.238 | 2.782 | 3.219 | 2.770 | ------ | ------ | | >$484K | 4.375 | 3.875 | ------ | ------ | 4.000 | 4.375 | APR | 4.370 | 3.871 | ------ | ------ | 3.999 | 4.377 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 4.125 | ------ | 4.000 | ------ | ------ | ------ | APR | 4.143 | ------ | 4.025 | ------ | ------ | ------ | | ******************************* FLORIDA ******************************* (Based on Conforming Loan $300K, Jumbo Loan $500K for FL Keywest Area only. See other assumptions at the bottom of the post) | | PRIMARY RESIDENCE - REGULAR REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.875 | 4.000 | 3.875 | 3.875 | ------ | ------ | >$484K | 5.125 | 4.500 | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 4.500 | ------ | 4.375 | ------ | ------ | ------ | >$484K | 5.250 | ------ | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.250 | 2.750 | 3.250 | 2.750 | ------ | ------ | APR | 3.263 | 2.828 | 3.255 | 2.837 | ------ | ------ | | >$484K | 4.125 | 3.875 | ------ | ------ | 3.875 | 4.250 | APR | 4.148 | 3.851 | ------ | ------ | 3.893 | 4.263 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 4.000 | ------ | 3.875 | 4.000 | ------ | ------ | APR | 4.056 | ------ | 3.952 | 4.143 | ------ | ------ | | ******************************* GEORGIA ******************************* (Based on Conforming Loan $300K, Jumbo Loan $500K. See other assumptions at the bottom of the post) | | PRIMARY RESIDENCE - REGULAR REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.625 | 3.625 | 3.625 | 3.625 | ------ | ------ | >$484K | 4.875 | 4.250 | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 4.125 | ------ | 4.000 | ------ | ------ | ------ | >$484K | 5.000 | 4.375 | ------ | ------ | ------ | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.250 | 2.750 | 3.250 | 2.750 | ------ | ------ | APR | 3.277 | 2.853 | 3.274 | 2.874 | ------ | ------ | | >$484K | 4.125 | 3.875 | ------ | ------ | 3.875 | 4.250 | APR | 4.153 | 3.861 | ------ | ------ | 3.899 | 4.269 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 4.000 | ------ | 3.875 | 4.000 | ------ | ------ | APR | 4.070 | ------ | 3.972 | 4.181 | ------ | ------ | | ******************************* WASHINGTON ******************************* (Based on Conforming Loan $484K, High-Balance Loan $650K, Jumbo Loan $1M. See other assumptions at the bottom of the post) | | PRIMARY RESIDENCE - REGULAR REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.250 | 2.875 | 3.125 | 2.750 | ------ | ------ | >$484K | 4.375 | 3.875 | ------ | ------ | 4.000 | 4.375 | Jumbo | 4.375 | 3.875 | ------ | ------ | 4.000 | 4.375 | | PRIMARY RESIDENCE - CASH-OUT REFINANCE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.500 | 3.375 | 3.500 | 3.250 | ------ | ------ | >$484K | 4.750 | 4.125 | ------ | ------ | 4.375 | ------ | | PRIMARY RESIDENCE - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 3.250 | 2.750 | 3.250 | 2.750 | ------ | ------ | APR | 3.252 | 2.789 | 3.225 | 2.781 | ------ | ------ | | >$484K | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.125 | APR | 4.016 | 3.751 | ------ | ------ | 3.866 | 4.135 | | Jumbo | 4.000 | 3.750 | ------ | ------ | 3.875 | 4.125 | APR | 4.010 | 3.741 | ------ | ------ | 3.860 | 4.129 | | INVESTMENT PROPERTY - PURCHASE: | | 30-Yr | 15-Yr | 20-Yr | 10-Yr | 5/1 ARM | 7/1 ARM | <=$484K | 4.250 | ------ | 4.000 | ------ | ------ | ------ | APR | 4.273 | ------ | 4.032 | ------ | ------ | ------ | |
Please note that the rates are subject to mid-day changes. This is especially true when stock and bond markets move radically during the day. Rates above are based on the following assumptions: 1. Loan Amount: See detailed loan amounts under the State name above; 2. Loan-To-Value (LTV): - <=75% for Primary Residence Conforming Refinance & Purchase; - <=70% for Primary Residence Conforming Cash-Out Refinance; - <=75% for Primary Residence Super-Conforming Refinance and Purchase (except for 7/1 ARM which is <=70%); - <=65% for Primary Residence Super-Conforming Cash-Out Refinance; - <=75% for Investment Property Conforming Purchase; - <=65% for Jumbo Refi & Purchase. 3. Primary Residence (except specified); 4. Single Family Residence; 5. Credit score>=740; 6. With Impound/Escrow Account; 7. 30-day lock; 8. US Citizen or Permanent Resident. H1B, L1, F1 OPT. For Refinance, rates are based on No Point No Fee. So APR for Refinance = Refinance Rate. For scenarios outside the above assumptions, please contact local loan officers for case inquiry. 注:以上凡是没有表明利率的loan program,意味着该program做不了no point的贷款,需要收point才能做。 奇虎贷款NMLS ID: 1169300 |